Updated September 30, 2026 · BorrowCue Editorial Team
EarnIn vs Klover
What sets them apart
| Compare |  EarnIn |  Klover |
|---|---|---|
| Loan amount | $0 to $1,000Higher | $25 to $750 |
| Arrangement fee | 0 USD (standard speed transfer fee $0; optional Lightning Speed from $3.99 per transfer) | Standard free, express fee up to $37.49 |
| Funding time | 1-3 business days at no cost, or minutes with optional Lightning Speed | Minutes with express, 1-2 days standard |
| Eligibility | At least 18 years old, primary residence in the United States (including U.S. territories), own a U.S. checking bank account and a valid U.S. cell phone number, consistent direct deposit pay schedule and at least $320 earned per pay period | US resident of legal age |
| APR | 0% | Not confirmed |
| Origination fee (%) | 0% | Not confirmed |
| Credit needed | Not confirmed | Poor |
Same on both: Credit check (None), Lender type (Direct lender), Loan types (Cash advance).
We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings.
Key differences
- EarnIn scores higher overall: 9.2 vs 8.6.
- Loan amount is higher at EarnIn: $0 to $1,000 vs $25 to $750.
- Support channels: only EarnIn offers Chat.
- Support channels: only Klover offers Email.
Our verdict on each
EarnIn
EarnIn suits US earners who want a small cash advance drawn against their pay without a credit check. Its APR of 0% sits at the top of the field, and the standard transfer carries no fee, so a short advance costs close to nothing.
Klover
Klover suits US adults with poor credit seeking a small cash advance without a credit check. Advances of $25 to $750 keep the focus on short gaps in pay, with standard transfers free and express delivery available at added cost.
Score breakdown
| Area | EarnIn | Klover |
|---|---|---|
| Cost | 9.7APR of 0%, an arrangement fee that is free on a standard transfer, and 0% origination, with speed delivery charged separately. | Not confirmed |
| Offer | 8.2 | 8.3HigherFocused cash advance range shown by cash advance with standard free pricing. |
| Trust | 9.2Higher | 8.8Operating history shown by 2019 with help via email and help centre. |
How they place
| Ranking | EarnIn | Klover |
|---|---|---|
| Cash advance apps | 10 of 53 | 4 of 53 |
Where each is licensed and available
| Country | EarnIn | Klover |
|---|---|---|
| United States | Not confirmed |
Available in 1 country for both.
If neither fits
BriteCap Financial has loan amount at $5,000 to $1,000,000, against $0 to $1,000 for EarnIn and $25 to $750 for Klover.
BriteCap Financial reviewSources behind this comparison
EarnIn
- earnin.com: 12 facts, checked September 26, 2026
- help.earnin.com: 1 fact, checked September 26, 2026
Klover
- joinklover.com: 12 facts, checked September 30, 2026
Every fact side by side
| Fact | EarnIn | Klover |
|---|---|---|
| Features | Same day funding | Same day funding |
| Legal entity | Activehours, Inc. (d/b/a EarnIn) | Klover Holdings, Inc. |
| Headquarters | United States | Not confirmed |
| Founded | Not confirmed | 2019 |
| Support channels | Chat, Help centre | Email, Help centre |
Where each stands against the rest
| Fact | EarnIn | Klover | Median |
|---|---|---|---|
| APR | 0%lowest quarter | Not confirmed | 8.99% |
| Loan amount | $0 to $1,000lowest quarter | $25 to $750lowest quarter | $35,000 |
| Origination fee (%) | 0%below the median | Not confirmed | 0.25% |
Median across 834 listed lenders.
Pros and cons
EarnIn
Pros
- APR of 0% against a field median of 12%, and a rank of 1
- Credit check is none, so your score is not used to decide
- Advances run to $0 to $1,000, which covers rent, repairs or a car bill
Cons
- The account cap of $0 to $1,000 is small against a field median of €876.96
- The faster delivery is a paid upgrade on top of the free standard transfer
- Eligibility is tied to a consistent direct deposit pay schedule and a set amount earned per pay period
Klover
Pros
- No credit check at none, which helps borrowers with poor credit histories avoid added searches.
- Standard transfers carry no added charge within fees of Standard free, express fee up to $37.49, keeping planned advances low cost.
- Express option with same day funding suits urgent gaps where standard bank timing would be too slow.
Cons
- Advance limits stay modest at $25 to $750, which suits gaps in pay rather than larger planned spend.
- Support runs on email and help centre only, which may feel limited for borrowers wanting phone help.
- Faster access carries cost since fees run Standard free, express fee up to $37.49, while standard transfers arrive later.
Who each suits
EarnIn
Who it suits
- US workers paid by direct deposit who need a small advance before their next payday
- People with thin credit files who want a decision without a credit check
- Borrowers who can clear the advance on their next paycheque
Who should look elsewhere
- Anyone needing a larger sum, since the account stops at $0 to $1,000
- Brigit, if you want a similar app with a lower cap, at $25 to $500
- Exim Bank Djibouti, whose school loan runs to up to DJF 300,000 but serves a different market
Klover
Who it suits
- Adults in the US with poor credit seeking a small advance without a hard search.
- Borrowers able to wait for standard delivery or pay for faster funding when timing matters.
Who should look elsewhere
- Borrowers needing larger instalment loans should consider Ibancar Prestamos for higher limits rather than small advances.
- Borrowers wanting card credit should consider AXI Card Tarjeta y Credito for card based limits rather than app advances.
- Borrowers seeking broader European loan choice should consider Cashspace for its wider amount range.
Current offers
Klover
Current offer
Free trial
Klover+ 30-day free trial: 30 days free
When you first create a Klover account
Source, checked September 30, 2026
Country by country
| Country | EarnIn | Klover |
|---|---|---|
| United States | Yes | Yes |
Questions about each
EarnIn
What does an advance from EarnIn cost?+
The APR is 0%, and the arrangement fee is free on a standard speed transfer. The origination fee is 0%. In practice an advance cleared on the ordinary schedule costs very little, and the only charge appears if you pay for the optional faster delivery.
How much can I borrow with EarnIn?+
The account runs to $0 to $1,000, so the cap is modest. That is a good fit for rent, a car repair or a bill between paycheques, and it is well below the €876.96 field median, so it is not a route to consolidating larger debts.
Klover
How much can be borrowed from Klover?+
Klover lists advances of $25 to $750 for cash advance use. The structure suits small shortfalls rather than larger planned borrowing, and limits may rise with use and eligibility. Check the app for the current offer before relying on a particular sum.
Does Klover run a credit check?+
Klover states that there is no credit check, shown by none. That approach helps borrowers with poor credit histories seek a small advance. Approval still depends on eligibility and account checks, so acceptance is never assured.